Kuka Systems North America LLC 401(k) Review & Grade
Kuka Retirement Savings Plan
Sterling Heights, MIManufacturing1,342 active participantsPlan year 2024✓ Auto-enroll
Estimate from the plan's Form 5500 filing · How we grade
$2,256Employer $ per active participant
$8,983Employee $ saved per active participant
0.13%Direct admin cost, % of plan assets
$221.7MNet plan assets, end of year
$137,852Average balance per account
Score breakdown
- Employer generosity24.5 / 5049th percentile for employer $ per participant
- Low cost16.8 / 2567th percentile for low admin cost vs. same-size plans
- Employee saving12.9 / 1586th percentile for employee $ per participant
- Plan features10 / 10Auto-enrollment, Default investment
Total score64 / 100 · Grade B
This plan vs. peers
Peers: Manufacturing plans with 500–2,499 active participants (2,376 plans).
| Measure | Percentile |
|---|---|
| Employer $ per participant | 49th |
| Lower admin cost | 67th |
| Employee saving | 86th |
| Peers that auto-enroll | 59% |
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Red flags from the filing
No red flags were reported on this filing's compliance questions.
What to do if you're in this plan
- Kuka Systems North America put in about $2,256 per active participant, below the typical peer ($2,320). Any match is still an instant return, so contribute enough to get all of it.
- The filing shows total dollars, not the match formula. Ask HR for the Summary Plan Description so you know the exact match and vesting schedule.
- Fund expense ratios aren't in the filing. Look them up in your 404(a)(5) fee disclosure and favor low-cost index or target-date funds.
- The plan auto-enrolls employees. Check your default contribution rate. Defaults are often lower than what it takes to get the full match.
- Changing jobs? You can usually leave the money in the plan, move it to your new employer's plan, or roll it into an IRA. Don't cash out: you'd owe taxes and possibly a 10% penalty.
The raw numbers from the filing
| Employer contributions | $3,027,278 |
| Participant (employee) contributions | $12,054,737 |
| Other contributions (incl. rollovers in) | $2,062,576 |
| Administrative expenses paid from the plan | $277,308 |
| Contract administrator fees | $277,308 |
| Benefits paid out | $25,279,974 |
| Net assets, start / end of year | $201.9M / $221.7M |
| Active participants, start / end of year | 1,387 / 1,297 |
| Participants with account balances | 1,608 |
| Auto-enrollment (feature code 2S) | Yes |
| Auditor | Doeren Mayhew Assurance |
Largest service providers (Schedule C)
| Principal Life Insurance Company | $277,308 reported compensation |
| RBC Wealth Management | $56,633 reported compensation |
| Doeren Mayhew Assurance | $17,500 reported compensation |
Source: DOL EFAST2 Form 5500 filing, acknowledgment ID 20251015081705NAL0002095699001, received 2025-10-15, EIN 38-1918885, plan #002, plan year 2024-01-01 to 2024-12-31. Verify at efast.dol.gov.